Bank Comparison
South Lafourche Bank & Trust Company vs Citizens Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 7
winning metrics across 13 scored rows
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Capital adequacy
| Metric | South Lafourche Bank & Trust Company | Citizens Bank & Trust Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.73% | 11.14% |
| Equity / Assets | 10.99% | 10.61% |
Profitability
| Metric | South Lafourche Bank & Trust Company | Citizens Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.47% | 0.48% |
| Return on Equity (ROE) | 4.22% | 4.66% |
| Net Interest Margin (NIM) | 3.55% | 3.60% |
| Yield on Earning Assets | 5.26% | 5.40% |
| Cost of Funds | 1.91% | 1.98% |
Asset quality
| Metric | South Lafourche Bank & Trust Company | Citizens Bank & Trust Company |
|---|---|---|
| Texas Ratio | 45.43% | 42.74% |
| Non-Performing Loan Ratio | 6.95% | 7.15% |
| Non-Performing Asset Ratio | 5.66% | 4.90% |
| Net Charge-Off Ratio | -0.60% | 0.13% |
| ACL / Loans | 1.82% | 1.35% |
Balance sheet
| Metric | South Lafourche Bank & Trust Company | Citizens Bank & Trust Company |
|---|---|---|
| Total Assets | $177.5M | $183.7M |
| Total Deposits | $147.8M | $162.2M |
| Total Loans | $143.7M | $115.7M |
| Total Equity | $19.5M | $19.5M |
| Net Income (quarter) | $208K | $226K |
Liquidity & funding
| Metric | South Lafourche Bank & Trust Company | Citizens Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 97.22% | 71.31% |
| Core Deposit Ratio | 73.88% | 85.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | South Lafourche Bank & Trust Company | Citizens Bank & Trust Company |
|---|---|---|
| Headquarters City | Larose | Covington |
| Headquarters State | LA | LA |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 5 |
| Employees (FTE) | 43 | 34 |
| Established | October 13, 1967 | December 31, 1945 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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